If you have to ask, you're not ready for it. My advice is, give me all your money, and I'll give you a 3% yearly return :) But seriously, and if you really need these applications, then I would advise you to pay attention to WealthFront. Here you can read more detailed information about him and many other applications for trading. The app has an integrated tool that creates the best strategy to help you achieve a certain goal. Although you can create a diversified portfolio, WealthFront does not support fractional shares.